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Florida real estate · Franklin County

Apalachicola, Florida Real Estate

Homes, values and local insight for Apalachicola, Franklin County, Florida. Typical home value $301,000.

Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes

Ryan and Megan Winslow Broker Owners3,000+ homes soldSince 2009 REALTOR®4 states broker in FL, MA, CT, RIU.S. Army RetiredBest of Central MA winners
$301,000Typical home value
-3.4%Home values, past year
2,461Residents (2024)
$61,083Median household income
Homes for sale

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About Apalachicola

Apalachicola is a historic waterfront town on Florida's Gulf Coast in Franklin County. Population ~2,250, the town boasts Victorian architecture, historic downtown, and strong maritime heritage. Known as the Oyster Capital of Florida, Apalachicola's economy historically centered on oyster fishing and seafood. The town is experiencing revitalization with boutique shops, restaurants, art galleries, and heritage tourism. Strong preservation efforts maintain historic character while welcoming modern amenities.

Real estate in Apalachicola ranges from historic Victorian homes to modern waterfront properties. Historic downtown properties feature Victorian character; newer development focuses on waterfront access. Most buyers seek historic charm, fishing heritage, or investment in revitalization. Market is affordable for a Gulf Coast destination with strong appreciation from heritage tourism growth. Seasonal population fluctuation from snowbirds and tourists.

Winslow Homes serves Apalachicola buyers and sellers across FL, MA, CT, and RI. Ryan and Megan Winslow provide both brokerage and mortgage services (Ryan Winslow NMLS #2426605 | Megan Winslow NMLS #2692933). Get pre-approved at www.winslowloan.com or call 386-690-5858.

Featured Communities

Historic Downtown District

Original Victorian homes in downtown core. Historic architecture and character. Walkable to shops and restaurants.

Price Range: $180,000 - $420,000

Waterfront Properties

Apalachicola Bay waterfront with views, boat access, and fishing amenities. Strong waterfront appeal.

Price Range: $350,000 - $800,000

Residential Historic Neighborhoods

Established residential areas with historic character homes. Peaceful neighborhoods with mature trees.

Price Range: $200,000 - $400,000

Revitalized Gateway District

Gateway area with mixed-use development, shops, galleries, restaurants. Revitalization focus.

Price Range: $220,000 - $500,000

St. George Island Access

Properties near or with bridge access to St. George Island. Island lifestyle adjacent.

Price Range: $240,000 - $550,000

Lifestyle & Entertainment

Oyster and Seafood Heritage

Historic oyster fishing culture. Restaurants serve fresh local oysters and seafood.

Arts and Culture

Growing art galleries, studios, and cultural events. Revitalization bringing arts community.

Water Recreation

Fishing, boating, kayaking. Bay access and natural recreation throughout.

Historic Preservation

Victorian architecture and heritage tourism. Walking tours and historic sites.

Apalachicola Oyster Festival

Annual November festival celebrating oyster heritage. Live music, food, cultural celebration.

Historic Downtown District

Victorian architecture, independent shops, galleries, and waterfront dining. Charming walkable core.

Seafood Restaurants

Fresh local oysters and Gulf seafood. Casual waterfront dining with heritage appeal.

Investment Opportunities

Historic Preservation Investment

Buy historic homes, restore, sell or rent. Tax credits available for historic restoration. Niche market with 6-8% appreciation.

Waterfront Appreciation

Bay front properties appreciate 5-6% annually. Limited supply and growing tourism support consistent values.

Vacation Rental Income

Historic homes rent to tourists and seasonal visitors. Generate 4-6% cash returns. Growing tourism market.

Market data

Apalachicola by the numbers

The typical home in Apalachicola is worth $301,000, 29% below the Franklin County typical value of $422,000 and 20% below the Florida typical value of $375,000.

Typical home value

$301,000

Zillow Home Value Index for Apalachicola, August 2026. The middle of the market for single family homes and condos.

5 year change

+4.1%

Home values in Apalachicola moved +4.1% over five years and +91.6% over ten.

Median rent

$1,235/mo

Median gross rent in Apalachicola. Useful for investors running rental numbers.

Homeownership

62%

Share of occupied homes in Apalachicola lived in by the owner.

Median year built

1962

Older homes often need inspection focus on roof, systems and windows.

Household income

$61,083

Median household income in Apalachicola.

Mortgage planning for a home in Apalachicola
Financing

Buying in Apalachicola with the right loan

Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team. On a typical Apalachicola home of $301,000:

  • FHA, 3.5% down: $10,549 down, loan of $291,000
  • Conventional, 5% down: $15,070 down, loan of $286,000
  • Conventional, 20% down: $60,280 down, loan of $241,000
  • VA, 0% down for eligible veterans, loan of $301,000
Selling

What is your Apalachicola home worth?

Ryan and Megan price Apalachicola homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.

Home for sale in Apalachicola
Nearby

Towns near Apalachicola

Franklin County

More in Franklin County

See the full Franklin County real estate guide or the Florida real estate guide.

FAQ

Common questions

What is the typical home value in Apalachicola, FL?

The Zillow Home Value Index for Apalachicola was $301,000 in August 2026, -3.4% over the past year.

What county is Apalachicola in?

Apalachicola is in Franklin County, Florida.

How many people live in Apalachicola?

About 2,461 people as of the 2024 Census Bureau estimate, up from 2,333 in 2020.

Who are the best real estate agents in Apalachicola?

Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.

How do I get pre-approved to buy in Apalachicola?

Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.

Do most people in Apalachicola own or rent?

62% of occupied homes in Apalachicola are owner occupied, based on the 2019 to 2023 American Community Survey.

Talk to Ryan and Megan

Ready to move in Apalachicola?

17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.

Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey; Zillow Home Value Index, August 2026. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.

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Coming soon in Apalachicola, FL

Get coming-soon homes, pocket listings and price drops in Apalachicola, FL before they hit the big home search sites.

Apalachicola home values by ZIP code

The typical home in Apalachicola is worth $294,174 as of August 2026 in ZIP code 32320. Values moved -3.8% over the last 12 months at the middle ZIP code.

ZIPTypical value12 months5 yearsMedian sale, Mar to May 2026Days on market
32320$294,174-3.8%+4.7%

Sources: Zillow Home Value Index through August 2026 and the Redfin Data Center ZIP code tracker, March to May 2026. Ask Ryan and Megan for a value for your own home.